HackingFinancial ServicesFinanceCustomer Data InvolvedIdentity (basic)MediumContained

UNIVERSAL LENDERS, LLC

bd_1cb830ed8c7ee3ab · schema v1 · pii pii-v1

Severity

Medium

Discovered

Jan 14, 2025

Filed

Jan 23, 2025

To disclose

9 days

Affected · nationwide

19,57534 in this filing

Linked

9 filings

Confidence

66%

Full breach record for UNIVERSAL LENDERS, LLC →

Universal Lenders, LLC reported an external system breach (hacking) on November 7, 2024, discovered on January 14, 2025. Approximately 19,575 individuals were affected, including 34 Maine residents. The breach involved unauthorized access to files containing names and other personal identifiers. The company engaged independent cybersecurity experts and offered 12 months of complimentary identity protection services through IDX.

J jump to incidentP pin to compareR raw source

Maine clockDiscovered Jan 14, 2025 → Filed with AG Jan 23, 20259d ✓ ME AG ≤30d9 days discovery → filing

⚠ AG web formThe discovery date came from the AG web-form field, which is systematically later than the detection date stated in the letter. Treat the clock as indicative.

Incident timeline

undetected · 68 days

discovery → filing · 9 days

Nov 7, 2024

Begins

Jan 14, 2025

Discovered

Jan 23, 2025

Filed

vs. sector median

7 wks faster

This filing is one of 9 about the same incident.View merged incident

Linked disclosures

Why this link?

Regulatory filings (8) · sorted by filing gap

Massachusetts State AGbd_8681187fbd5b2a582025-01-24 · +1dVerified
Montana State AGbd_2246d9821e08d0132025-01-21 · +2dVerified
Vermont State AGbd_59557d9054371af22025-01-21 · +2dVerified
Nebraska State AGbd_5cdd29de26a76f102025-01-21 · +2dVerified

Show 4 more filings ↓up to 294d gap

New Hampshire State AGbd_9429214e64f174362025-01-21 · +2dVerified
Indiana State AGbd_e62d03a0b7d283292025-01-21 · +2dVerified
Illinois State AGbd_917f88c6036f66ee2025-01-01 · +22dCandidate
Maryland State AGbd_28bfcd45a014e0ef2025-11-13 · +294dVerified

Name: UNIVERSAL LENDERS, LLC
norm: universal lenders

Name: UNIVERSAL LENDERS, LLC
norm: universal lenders
Industry: Financial Servicesllm

Discovered: Jan 14, 2025
Breach occurred: Nov 7, 2024
Undetected for: 68 daysoccurrence → discovery
Materiality determined: —
Notification sent: Jan 21, 2025
Affected individuals: 19,575state + nationwide
Data types: Identity (basic)
Attack vector: Unauthorized Access
MITRE ATT&CK: T1190 Exploit Public-Facing Application
Threat actor: External
Regulator citations: Filed notice with Maine Attorney General
Initial access: exploit_public_facing

During the incident: Initiated an investigation of the matter with the help of independent cybersecurity experts
Undertook a comprehensive review of those files
Offering complimentary identity protection services through IDX
Changes made: Implemented measures to enhance security and minimize the risk of a similar incident occurring in the future
Source: Quoted from the filing itself, not independently verified.

Time to disclose: 9 days(9 days from discovery to filing)
Compliance flags: ME AG ≤30d · 9d
Discovery-date grounding: AG web formThe discovery date came from the AG web-form field, which is systematically later than the detection date stated in the letter. Treat the clock as indicative.
Clock breakdown: Statute Window Elapsed Threshold Status
Maine
Discovered: Jan 14, 2025
→ Filed with AG: Jan 23, 2025
9d 30 days ME AG ≤30d

Statute	Window	Elapsed	Threshold	Status
Maine	Discovered: Jan 14, 2025 → Filed with AG: Jan 23, 2025	9d	30 days	ME AG ≤30d

Status: No extraction artifact recorded for this disclosure.

Filing propagation · 9 filings · 9 states

View merged incident ↗

Illinois State AGJan 1 · first

Montana State AG+20d

Vermont State AG+20d

Nebraska State AG+20d

New Hampshire State AG+20d

Indiana State AG+20d

Maine State AG+22d · this page

Massachusetts State AG+23d

Maryland State AG+316d

Pattern: first filing Jan 1 (IL), last Nov 13 (MD) — a 316-day rolling notification. Rolling spreads often mean counsel is filing as thresholds trip per state. Why this link?

Evidence ladder

Leak-site claim

Attacker assertion only. Establishes: claim date, group, alleged victim.

Press / market report

Unlocks: incident narrative, operational impact. Still no compliance clock.

State AG / regulator filingThis record

Unlocks: discovery date, data types, affected count, compliance clock.

SEC 8-K / victim statement

Unlocks: materiality, stated response, full audit trail. Ceiling removed.

Source URL: https://www.maine.gov/agviewer/content/ag/985235c7-cb95-4be2-8792-a1252b4f8318/f5478cf4-8e47-4267-8f13-9c71cad39456.html
DisclosureLens links to the originating regulator URL — full filing bodies are not redistributed from public surfaces (§4.5).
Filed at: Jan 23, 2025
Raw hash: 9aaaf6f407b003a5890602fb8db8c6633eb2d1a62ee087016250ac88b0a710ef

Linked disclosures

Regulatory filings (8) · sorted by filing gap

Reporting entityUNIVERSAL LENDERS, LLC

Victim entityUNIVERSAL LENDERS, LLC

Incidentdiscovered Jan 14, 2025

Stated responseInitiated an investigation of the matter with the help of independent cybersecurity experts

ComplianceME AG ≤30d

Extraction provenanceno artifact recorded

Source provenancewww.maine.gov